... hit associated with that distribution when they're paying the lowest possible rate on that ... go in the "save for later" column under the standard rules of withdrawal sequencing, those tax-free Roth withdrawals (versus, say ...

... low bond yields currently, that the raw materials for that 4% withdrawal rate just aren't ... How might retirees think about rightsizing their withdrawal rates? ... it also assumes that you go back every year and review your situation ...

... and for any reason without triggering taxes or an early withdrawal penalty. ... how their future tax rate will compare with their present rate, may be ... either) while giving themselves the flexibility to use tax-free withdrawals to hold ...

... heard an income-minded investor say that her withdrawal rate was 0 ... alone.) But most of the research surrounding safe withdrawal rates--including the ... her money from bond and dividend income or withdrawals of principal. ...

... with shorter holding periods could employ a higher withdrawal rate than those ... d want to be more conservative about their withdrawal rates), as well ... Such individuals could reasonably employ more aggressive withdrawals.). ...

... What started as a 4% withdrawal rate in year one would grow ... Sticking with fixed dollar withdrawals during a sustained bear market also ... with many studies converging around the idea that withdrawal rates should fluctuate ...

... bear market raises the effective withdrawal rate as the asset pool shrinks. (Recall that the withdrawal amounts are established by the size of the initial balance, not the ongoing balance.) Imprudent withdrawals can push the ...

... It's no wonder there's so much confusion about withdrawal rates during retirement. The word "withdrawal" is part of the problem. (That's one reason I prefer "spending rate" to "withdrawal rate.") People often assume that if ...

... $40,000 in taxable income will pay taxes at the same rates on her ... with incomes at 200%, 250%, and 400% of the federal poverty rate. ... can also pay attention to where they source their portfolio withdrawals--favoring Roth ...